Medicare Supplemental Health Insurance Act; Long-Term Care Insurance Coverage Standards; Long-Term Care Insurance Act

What this document is

Chapters 48.66, 48.83 and 48.84 RCW - Medicare Supplemental Health Insurance Act; Long-Term Care Insurance Coverage Standards; Long-Term Care Insurance Act is a state statute published by app.leg.wa.gov. It is one of the Washington documents that insurance license exam questions are written from, including washington life & health practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• RCW tit. 48 § 48.83.040(5) (Long-Term Care Preexisting Conditions)

  “A long-term care insurance policy or certificate may not exclude or use waivers or riders to exclude, limit, or reduce coverage or benefits for specifically named or described preexisting diseases or physical conditions beyond the waiting period.”

• RCW tit. 48 § 48.66.070 (Adjustment of Benefits and Premiums for Medicare Cost-Sharing)

  “A medicare supplement insurance policy must provide that benefits designed to cover cost-sharing amounts under medicare will be changed automatically to coincide with any changes in the applicable medicare deductible amount and copayment percentage factors. Premiums may be modified to correspond with such changes.”

• RCW tit. 48 § 48.66.090 (Guaranteed Renewable, Exceptions)

  “All medicare supplement policies must be guaranteed renewable and a medicare supplement insurance policy may not provide that the policy may be canceled or nonrenewed by the insurer solely on the grounds of deterioration of health. The issuer shall not cancel or nonrenew the policy for any reason...”

• RCW tit. 48 § 48.66.025 (Restrictions on Issuers, Age of Applicants)

  “An issuer may not deny or condition the issuance or effectiveness of any medicare supplement policy or certificate available for sale in this state, or discriminate in the pricing of a policy or certificate, because of the health status, claims experience, receipt of health care, or medical...”

• RCW tit. 48 § 48.66.110 (Disclosure by Insurer, Outline of Coverage Required)

  “In order to provide for full and fair disclosure in the sale of medicare supplement policies, a medicare supplement policy or certificate shall not be delivered in this state unless an outline of coverage is delivered to the potential policyholder not later than the time of application for the policy.”

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Questions about this source

More Washington sources

• RCW Title 48, Chapter 48.30 - Unfair Practices and Frauds (selected sections 48.30.010-48.30.155)State statute
• RCW Title 48, Chapter 48.17 - Insurance Producers, Title Insurance Agents and Adjusters (selected sections 48.17.060-48.17.600)State statute
• Chapter 48.05 RCW - Authorization of Insurers and General Requirements (certificate of authority, admission, deposits, discipline)State statute
• Chapter 48.22 RCW - Casualty Insurance (personal injury protection, underinsured and hit-and-run motorist coverage, assigned risk plans)State statute
• Chapter 48.02 RCW - Insurance Commissioner (broad powers, rule-making, orders, hearings and enforcement)State statute
• Chapter 48.20 RCW - Disability Insurance (individual accident and health policy provisions, required and optional provisions)State statute
• Chapter 48.03 RCW - Examinations (examination of the affairs and records of insurers and licensees)State statute
• Chapter 48.01 RCW - General Provisions (scope, and the definitions of insurance, insurer, insurance transaction and the public interest)State statute